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Norfolk › COTTAGE LINE › 2040 E Ocean View Ave✓ Source: REIN MLS #10654690 · record updated Oct 6, 2026 · synced every 2 min · your inquiry is never resold
2040 E Ocean View AVE, NORFOLK VA 23503 - Main photo
2040 E Ocean View AVE, NORFOLK VA 23503 - Photo 2
2040 E Ocean View AVE, NORFOLK VA 23503 - Photo 3
2040 E Ocean View AVE, NORFOLK VA 23503 - Photo 4
2040 E Ocean View AVE, NORFOLK VA 23503 - Photo 5
4beds
4.1baths
3,600sqft
5days on market

2040 E Ocean View Ave, Norfolk, VA 23503

Under ContractResidential · built 2017 · COTTAGE LINE

Chapter · The Water

Life on the water

The waterfront is the reason this home exists. Its water record, straight from the listing: Bay, Deep Water, Navigable, Tidal.

Frontage

Bay · Tidal ✓ VERIFIED

Access

Deep-water access

Source: REIN MLS listing record · waterfront features as listed

Facts & features

Type

Residential

Year built

2017

Price / sqft

$278

HOA

None

Taxes

$10,103/yr

County

Norfolk VA

Waterfront

Yes

MLS #

10654690

Interior

Bedrooms
4
Full baths
4
Half baths
1
Approx. sqft
3,600
Stories
2
Flooring
Carpet, Laminate/LVP, Vinyl
Ensuite bedrooms
3
First-floor bed & full bath
Yes
Total rooms
8
Other rooms
1st Floor BR, 1st Floor Primary BR, Breakfast Area, In-Law Suite, Loft, PBR with Bath, Office/Study, Porch, Utility Room
Appliances
220 V Elec, Dishwasher, Disposal, Dryer, Microwave, Gas Range, Refrigerator, Washer
Equipment
Attic Fan, Cable Hookup, Ceiling Fan, Gar Door Opener, Generator Hookup
Accessibility
Elevator

Construction & exterior

Style
Modular
Subtype
Detached
Foundation
Basement
Roof
Asphalt Shingle
Exterior
Fiber Cement,Other
Pool
No Pool
Fencing
Partial
Waterfront
Bay,Deep Water,Navigable,Tidal
Deep-water access
Yes

Utilities & systems

Heating
Forced Hot Air, Nat Gas, Zoned
Cooling
Central Air
Water heater
Gas
Water
City/County
Sewer
City/County

Lot, parking & ownership

Lot size
0.4660
Subdivision
COTTAGE LINE
Ownership
Fee Simple
Garage
Yes
Parking
Garage Det 3+ Car, Close to Mass Transit, Multi Car, Driveway Spc
Possession
SETTLEMENT
Disclosures
Pet on Premises

See more Norfolk waterfront homes.

Sources: REIN MLS record · null fields are suppressed, never faked

About this home

Wake up to sweeping CHESAPEAKE BAY water views from your own sandy shoreline in this rare, direct BAY FRONT and private retreat with an income-producing carriage house too! Coastal living at its finest in this beach home boasting expansive water views -step outside and sink your toes into the soft, sandy beach just beyond your door. The spacious deck offers an inviting setting for relaxing or entertaining , in the refreshing Bay breezes while taking in breathtaking sunrises and sunsets. Additional highlights include a compelling opportunity of an income producing carriage house(currently rented), + check out the partially finished basement! A flexible bonus space ready for game nights, a home gym, office or the ultimate hangout spot! Then add the private elevator, solar panels , no flood insurance required, a newly paved driveway and freshly painted interior and exterior,-this just keeps getting better and better! This home is ideally located near military bases,HRBT, shopping and a diverse selection of local eateries-and COVA craft brewery, that features live music and our true coastal vibe.This distinctive property presents a versatile opportunity as a full time residence, coastal retreat, or income producing home.Make the Chesapeake Bay your backyard and embrace the unforgettable coastal lifestyle you've always dreamed of!

Listing courtesy of Marian Shortt Schutts · Iron Valley Real Est Norfolk · REIN MLS #10654690

Tom & Dariya's overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · Brokered by LPT Realty

At a glance

Meet 2040 E Ocean View Ave—a four-bedroom, four-bath home built in 2017 with 3,600 square feet of modern living space. Located in Norfolk, it sits just seven minutes from JEB Little Creek-Fort Story. This is the kind of home that anchors homes for sale in 23503.

Keep searching in Norfolk

See all Norfolk homes for sale, including homes for sale in 23503, homes for sale zoned for Norview High School, and homes for sale zoned for Bay View Elementary. Browse every listing among homes for sale in Norfolk — updated from the REIN MLS every few minutes. Nearby, look at Ocean View homes for sale, Norfolk waterfront homes for sale, Norfolk condos and townhomes for sale, and new construction homes in Norfolk.

Read the full overview ↓

Why this home stands out

Built in 2017, this residence combines newer construction with established neighborhood character. Four full baths and a flexible layout make daily routines smooth for multiple households. The 3,600-square-foot floor plan offers room to spread out without feeling oversized. You'll find the kind of move-in readiness and structural integrity that comes with recent construction. Proximity to two major military installations means short, predictable commutes.

COTTAGE LINE and the Norfolk real estate market

East Ocean View is a waterfront neighborhood with tree-lined streets and a mix of architectural styles. Homes here range from mid-century cottages to newer construction like this one, creating a dynamic streetscape. The area has a strong sense of community and easy access to local shops, restaurants, and parks. Norfolk itself is Virginia's second-largest city, anchoring the Hampton Roads region with cultural institutions, a vibrant downtown, and major employment centers. Getting around is straightforward: I-64 and the Downtown Expressway connect you to the broader region. If you are comparing homes for sale zoned for Norview High School or homes for sale zoned for Bay View Elementary, this address sits within both attendance zones. Naval Station Norfolk and JEB Little Creek-Fort Story are both minutes away, making this a natural fit for anyone with a regular commute to either base.

What's nearby

Daily errands are close by. The neighborhood has a grocery store within a short drive, coffee shops on nearby blocks, and restaurants scattered throughout East Ocean View and adjacent areas. A public park is within walking distance, offering green space and recreation. Downtown Norfolk's shops, galleries, and waterfront attractions are about ten minutes away by car. You're also minutes from the Naval Station Norfolk visitor center and the Naval Station's main gates.

For different buyers

Base commute and VA loan notes

Seven minutes to JEB Little Creek-Fort Story and ten minutes to Naval Station Norfolk make this home a natural fit for base commuters. VA loan financing is common in this zip code, and the 2017 construction means minimal immediate repairs. You can move in with confidence and settle into the neighborhood right away.

Room to grow

Four bedrooms and four full baths give everyone their own space. The 3,600-square-foot layout spreads across a thoughtful floor plan with room to grow. Storage is built in, and the newer construction means systems are modern and reliable. A yard provides outdoor space for play and projects.

More buyer questions

How far is 2040 E Ocean View Ave from JEB Little Creek-Fort Story?

About seven minutes by car, depending on traffic and which gate you use. It's one of the shortest commutes in the area.

What is the commute to Naval Station Norfolk from this address?

Roughly ten minutes to the main gates. I-64 access is straightforward from this neighborhood.

When was this home built?

2017, so it's a newer home with modern systems and finishes throughout.

Is this home in a flood zone?

Check the FloodRisk tile on this listing for detailed flood zone and insurance information specific to the property.

What attendance zones cover this address?

This address falls within the zones for homes for sale zoned for Bay View Elementary and homes for sale zoned for Norview High School.

Ready to explore 2040 E Ocean View Ave? Contact Tom & Dariya Milan at LPT Realty to schedule a tour and learn more about this Norfolk home.

Summary generated by AI from public records and publicly available information.

Homes like this one sell fast — see the next one first

Norfolk$845K – $1.2M4+ beds

By subscribing you agree to receive listing emails from Tom & Dariya Milan, Realtors, at most one a day. Unsubscribe anytime · Privacy PolicyBrokered by LPT Realty

Schools

VaHome School Score

Our own 1–10 rating, scored from Virginia Department of Education data.

VaHome School Score — calculated by VaHome.com from Virginia Department of Education assessment, progress, and attendance data. Attendance zones come from the MLS listing record; confirm the current zone with the school division before making an offer.

Flood & environment

FEMA flood zone X · outside the high-risk area · FIRM 510104

Flood Risk (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 510104

Low / Moderate Risk

FEMA flood zone

X (low to moderate risk)

Base flood elevation

Not applicable in low-risk zones

Zone X is outside the Special Flood Hazard Area; FEMA doesn\u2019t define a BFE here.

Property elevation

14.3 ft above sea level

USGS 3DEP digital elevation model

Outside the high-risk Special Flood Hazard Area. Federal flood insurance is NOT required, though optional preferred-rate NFIP coverage is still worth considering in coastal Hampton Roads.

Data sources: Flood zone and base flood elevation come from FEMA\u2019s National Flood Hazard Layer. Property elevation is sampled from a single point on the parcel using the USGS National Map elevation service \u2014 actual elevations across a single property can vary by several feet higher or lower than the figure shown. Use these numbers as a starting reference and do your own due diligence (a professional survey or elevation certificate) before relying on them for any financial, insurance, or construction decision.

Hurricane Evacuation Zone

Evacuation Zone B

Source: Virginia Dept. of Emergency Management — Know Your Zone

Military Aircraft Zone Information

Aircraft Noise

65-70 dB DNL

Accident Potential Zone

Not in a mapped Accident Potential Zone

Source: U.S. Navy AICUZ — Air Installations Compatible Use Zones (via city GIS)

Explore this neighborhood

Ocean View

Ocean View is a neighborhood on the water in Norfolk, Virginia. It is known for its access to the Chesapeake Bay and its maritime feel. Homes range from modest single-family houses to cottages on the water.

$375K

Median sale · 12 mo

$255

Sold $/sq ft

30d

Days on market

54

For sale now

$61K

HH income

36.5%

Owner-occupied

REIN MLS closed sales, trailing 12 mo · U.S. Census ACS 2024 5-year

Explore Ocean View →
Map of Ocean View with neighborhood boundaryNeighborhood

Norfolk homes for sale →

Location intelligence

Minutes to real places, not a score

Location & Neighborhood

Places within ~1 mile, ordered by distance from this property. Powered by Google Places.

Military Commute

Drive times to nearest bases

Drive times via Google Maps with current traffic patterns. Times are typical and may vary by time of day. Use the "Analyze" button up top to see live drive time to your saved base.

The numbers

Run the real carrying cost

Estimates only — taxes come from the public record; confirm rates with your lender. VA-eligible buyers: $0-down financing may apply.

Estimate your monthly payment

$6,319/mo

Principal & interest

$5,185

Property tax

$842

Home insurance

$291

PMI

None

HOA/Condo (paid separately)

None

Estimate only. Association (HOA/condo) fees are paid separately and are not included in the payment above. Insurance assumed at 0.35% of home value annually. Actual taxes, insurance, and rate will vary by lender, credit, and property. Contact a lender for a personalized quote.

Value & history

Judge value on real ground

Price context — similar nearby homes

$430,000 – $1,525,000

The 6 most similar homes nearby (same city, within ~20% of this size, ~2.5 mi; 6 sold). Context for judging the asking price — not an appraisal or an estimate of this home's value.

2057 E Ocean View AVE · 0.1 mi · 3,312 sqft$470,000 sold 2026-08
2061 E Ocean View AVE · 0.1 mi · 3,212 sqft$430,000 sold 2026-08
9640 Sturgis ST · 0.9 mi · 3,442 sqft$860,000 sold 2026-10

Own a home nearby? See what it is worth today — What's your Norfolk home worth?

Sale & Tax History

List Price

$999,340

Price / Sq Ft

$278

Annual Taxes

$10,103

Monthly Tax

$842

HOA

None

Tax Rate (effective)

1.01%

Sale Timeline (this listing)

EventDatePriceDetail
ListedOct 1, 2026$999,340—
Currently listed—$999,340—

Looking for multi-year tax assessments or prior sales? REIN MLS only ships data for the current listing. For full property history, check the city assessor record:

Norfolk Real Estate Assessor

Tax data above from REIN public-records sync. Sale timeline tracked from this listing's first appearance in our feed forward; prior owner sales are not included.

Comparable Properties

Comps are selected by city, bed count, square footage and price proximity. Composite similarity score weights bed match, sqft variance, price variance, and straight-line distance.

Questions buyers ask

Is 2040 E Ocean View Ave in a good school zone?+
The assigned zones on the listing record are Bay View Elementary (VaHome School Score 2.3/10), Azalea Gardens Middle, Norview (VaHome School Score 2.5/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 2040 E Ocean View Ave in a flood zone?+
FEMA maps this parcel in Zone X, outside the high-risk Special Flood Hazard Area. See the flood section on this page for details and sources.
Is 2040 E Ocean View Ave a waterfront property?+
Yes. The listing record shows: Bay,Deep Water,Navigable,Tidal.
Does 2040 E Ocean View Ave have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 2040 E Ocean View Ave built?+
It was built in 2017, per the listing record.

Answers generated from the listing record, verified school zones, FEMA data, and cached nearby-places data — never invented.

The people

You'll talk to a person, not a lead queue

TD

Tom & Dariya Milan

Brokered by LPT Realty · Hampton Roads · answer their own phone

✓ Your inquiry goes to Tom & Dariya — never sold to strangers

Listing courtesy of Marian Shortt Schutts · Iron Valley Real Est Norfolk · REIN MLS #10654690

Call or text (757) 777-7577

Ask Dariya — instant answers

Schools, flood, drive times, what it really costs to own — answered from this page's data, by chat or voice.

Schedule a private tour

Free, no obligation — your inquiry goes to Tom & Dariya, never resold.

2040 E Ocean View Ave, Norfolk — photo

See it in person — the record only says so much.

Call or text (757) 777-7577

2040 E Ocean View Ave, Norfolk, Virginia 23503 · MLS #10654690 · Source: REIN MLS + public record. Information deemed reliable but not guaranteed — verify independently. School zones subject to change; confirm with the local school division. All locations are described by neutral geographic fact. Equal Housing Opportunity.

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